Welcome to Retirement Solutions – The Podcast, with Tyson Thacker and Ryan Thacker, where precision meets purpose. This B.O.S.S. podcast is committed to “Building the Optimal System of Security.” Learn how you could craft the ideal retirement blueprint that surpasses mere wealth accumulation. Explore the nuances of retirement planning with expert insights, as Tyson and Ryan navigate the ever-evolving landscape of investments, insurance solutions, and financial planning for retirees and pre-retirees. Co-founders, Tyson and Ryan Thacker bring years of experience and knowledge to the table. They are passionate about helping clients achieve their financial goals during retirement. Follow along as they explore strategies and tools that could help you secure your financial future in retirement.
How Are Your IRA, 401(k), and Social Security Taxed in Retirement? (Ep. 38)
How much tax will you pay on your IRA and 401(k) withdrawals in retirement? Will your Social Security benefits be taxed, and could retirement income increase your Medicare premiums? The answers may affect how much of your savings you’ll have available to spend.
In this episode, Ryan Thacker and Tyson Thacker explain three retirement tax traps that can catch retirees off guard. They break down how traditional IRA and 401(k) withdrawals are taxed, why additional income can cause up to 85% of Social Security benefits to become taxable, and how required minimum distributions beginning at age 73 may increase future tax bills. Ryan and Tyson also cover the widow’s tax penalty, the connection between retirement income and Medicare premiums, and why some families consider Roth conversions before Social Security benefits begin and RMDs start.
Ryan and Tyson discuss:
How much tax you could owe on traditional IRA and 401(k) withdrawals in retirement
Why IRA withdrawals can cause more of your Social Security benefits to become taxable
How required minimum distributions may affect your retirement taxes after age 73
Why higher retirement income may increase your Medicare premiums
How the widow’s tax penalty can affect a surviving spouse’s income and tax brackets
When Roth conversions may provide more control over future taxable income
And more!
What’s your biggest retirement concern? Email us or leave a voicemail with your question, and we might feature it in an upcoming episode.
Resources:
The B.O.S.S. Retirement Blueprint (https://www.amazon.com/B-S-S-Retirement-Blueprint-Independent/dp/1544509022/ref=sr_1_1?dib=eyJ2IjoiMSJ9.q89ryx32DuzsLNXL3wMYWutssnyo2G4I8RdN5t_YkR-mGLqr5KTjRlE8aFGvltpAvcvagxJd722RM8nOcmuCMDLPRxzCPF6MIkimcK-8Bis-ZyZBiUhIR8VkvZ6KDJQZa_J-VKyjeRrz4wPa_vOWsMA0bKbQIU2l14rvv4FPlhgMR8u7S0TgvJ6ma9Qxj-YVAz72M_0j5EsP1oXirO7_NUssToxPkYla7wSXdclTpLw.pde-XaFNskSOkF9KxZE5pR_xaENyzxPOz0YZXLBIPcY&dib_tag=se&keywords=the+Boss+Retirement+Blueprint&qid=1712072830&sr=8-1)
Get your FREE B.O.S.S. Retirement Blueprint:
3 Ways to Respond:
Text BLUEPRINT to (435) 500-0665
Call: (800) 769-7550
or Click Here (https://www.bossretirement.com/podcasts)
Connect with Tyson Thacker:
LinkedIn: Tyson Thacker (https://www.linkedin.com/in/tyson-thacker-345850/)
BOSSRetirement.com (https://bossretirement.com/)
Connect with Ryan Thacker:
LinkedIn: Ryan Thacker (https://www.linkedin.com/in/ryan-thacker-6719a44/)
BOSSRetirement.com (https://bossretirement.com/)
23 Apr 2026
The Retirement Tax Trap: 3 Strategies to Keep More of Your IRA and 401(k) (Ep. 37)
What if a big portion of your retirement savings was never really yours to begin with?
In this episode, Ryan Thacker and Tyson Thacker break down a reality that many retirees overlook: your IRA or 401(k) balance may look strong on paper, but without a strategy, taxes and market risk could take a meaningful bite out of it. They walk through how to think differently about your retirement income so you can make more informed decisions about what you keep.
Ryan and Tyson discuss:
How taxes can quietly reduce your IRA and 401(k) savings over time
Why a tax-efficient withdrawal strategy matters more than most people realize
The risk of relying on outdated rules like the 4 percent rule
How market downturns near retirement can impact long-term income
What sequence of returns risk mean for your financial future
Why Roth conversions are often considered a powerful planning strategy
How to create more control and flexibility with your retirement income
And more!
Don’t miss out on future retirement strategies-subscribe to Retirement Solutions on your favorite podcast app today!
Resources:
The B.O.S.S. Retirement Blueprint (https://www.amazon.com/B-S-S-Retirement-Blueprint-Independent/dp/1544509022/ref=sr_1_1?dib=eyJ2IjoiMSJ9.q89ryx32DuzsLNXL3wMYWutssnyo2G4I8RdN5t_YkR-mGLqr5KTjRlE8aFGvltpAvcvagxJd722RM8nOcmuCMDLPRxzCPF6MIkimcK-8Bis-ZyZBiUhIR8VkvZ6KDJQZa_J-VKyjeRrz4wPa_vOWsMA0bKbQIU2l14rvv4FPlhgMR8u7S0TgvJ6ma9Qxj-YVAz72M_0j5EsP1oXirO7_NUssToxPkYla7wSXdclTpLw.pde-XaFNskSOkF9KxZE5pR_xaENyzxPOz0YZXLBIPcY&dib_tag=se&keywords=the+Boss+Retirement+Blueprint&qid=1712072830&sr=8-1)
Get your FREE B.O.S.S. Retirement Blueprint:
3 Ways to Respond:
Text BLUEPRINT to (435) 500-0665
Call: (800) 769-7550
or Click Here (https://www.bossretirement.com/podcasts)
Connect with Tyson Thacker:
LinkedIn: Tyson Thacker (https://www.linkedin.com/in/tyson-thacker-345850/)
BOSSRetirement.com (https://bossretirement.com/)
Connect with Ryan Thacker:
LinkedIn: Ryan Thacker (https://www.linkedin.com/in/ryan-thacker-6719a44/)
BOSSRetirement.com (https://bossretirement.com/)
8 Apr 2026
What Most Retirees Miss About Taxes (Ep. 36)
What if the biggest threat to your retirement isn’t market volatility, but the taxes you didn’t plan for?
In this episode, Ryan Thacker and Tyson Thacker break down the hidden tax traps that can quietly drain your retirement savings and how one wrong move could trigger what they call the “tax time bomb.”
Ryan and Tyson discuss:
Why retirement income can push you into higher tax brackets than expected
How IRA and 401(k) withdrawals can create larger tax bills over time
The surprising ways Social Security benefits can become taxable
How required minimum distributions can dramatically increase your tax burden
And more!
Resources:
The B.O.S.S. Retirement Blueprint (https://www.amazon.com/B-S-S-Retirement-Blueprint-Independent/dp/1544509022/ref=sr_1_1?dib=eyJ2IjoiMSJ9.q89ryx32DuzsLNXL3wMYWutssnyo2G4I8RdN5t_YkR-mGLqr5KTjRlE8aFGvltpAvcvagxJd722RM8nOcmuCMDLPRxzCPF6MIkimcK-8Bis-ZyZBiUhIR8VkvZ6KDJQZa_J-VKyjeRrz4wPa_vOWsMA0bKbQIU2l14rvv4FPlhgMR8u7S0TgvJ6ma9Qxj-YVAz72M_0j5EsP1oXirO7_NUssToxPkYla7wSXdclTpLw.pde-XaFNskSOkF9KxZE5pR_xaENyzxPOz0YZXLBIPcY&dib_tag=se&keywords=the+Boss+Retirement+Blueprint&qid=1712072830&sr=8-1)
Get your FREE B.O.S.S. Retirement Blueprint:
3 Ways to Respond:
Text BLUEPRINT to (435) 500-0665
Call: (800) 769-7550
or Click Here (https://www.bossretirement.com/podcasts)
Connect with Tyson Thacker:
LinkedIn: Tyson Thacker (https://www.linkedin.com/in/tyson-thacker-345850/)
BOSSRetirement.com (https://bossretirement.com/)
Connect with Ryan Thacker:
LinkedIn: Ryan Thacker (https://www.linkedin.com/in/ryan-thacker-6719a44/)
BOSSRetirement.com (https://bossretirement.com/)
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Ryan Thacker and Tyson Thacker host the show. Published by Tyson Thacker and Ryan Thacker.
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